Stress Life Insurance

We specialise in finding life insurance for people with stress. We can also help you with your other insurance needs, such as critical illness insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your stress, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for people with stress, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients with depression:

“The service I received from Life Insurance Help was fantastic. Having thought I would not get life insurance, they explained it was possible. They relieved all the pressure of having to do it myself and kept me informed at each process of the application. I now have life insurance with a premium much lower than I expected, but most of all I have peace of mind for my family’s future. Thank you.”

“Life Insurance Help operate a very friendly and personal service. They are very quick and efficient and know the right companies to approach. I was very pleased with their recommendations and got an excellent deal. Thank you so much.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

Stress Support

Besides helping you obtain Life Insurance if you are suffering from stress, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.

Depression & Stress: About the Condition

Stress is a condition or a feeling which is experienced when you feel that the demands placed on you are too great.

The effects of stress can lead to physical symptoms of ill health, such as heart disease, as well as longer term psychological damage

Early outward signs of stress include changes in behaviour, unusual tearfulness, irritability or aggression, indecisiveness, inability to concentrate, lack of self-confidence, and excessive smoking or drinking.

In a stressful situation, your body releases chemicals such as cortisol, adrenaline and noradrenaline. These chemicals will invoke the 'fight or flight' feelings that help us to deal with the situation. However, if you are in a situation where you cannot fight or flight, then these chemicals will not be used, and can accumulate so that their effects are felt by the body.

A build-up of adrenaline and noradrenaline increases blood pressure, heart rate, and the amount that you sweat. Cortisol prevents your immune system from functioning properly, as well as releasing fat and sugar into your blood stream.

The following are the sort of feelings that people who are stressed often feel. If you can identify with some or all of the following feelings, please seek help and talk to someone:

- Anger
- Depression
- Anxiety
-
Finding it hard to cope with everyday things
- Finding it hard to make simple decisions
- Having difficulty concentrating
- Finding it hard to get the motivation to get up in the mornings
- Feeling tearful at something which would not normally affect you that way
- Lacking energy and feeling very tired
- Not wanting to talk to or be with people, and conversation can be a struggle
- Eating, drinking or sleeping more or less than usual
- Using alcohol or drugs to cope with feelings
- Feeling restless and agitated
- Not taking care of yourself or feeling you don’t matter
- Having recurring thoughts of death and/or suicidal impulses, where suicide seems like a welcome relief

The following are the sort of physical reactions that people who are stressed often feel. If you can identify with some or all of the following reactions, please seek help and talk to someone:

Treatment for stress usually involves a combination of drugs, talking therapies and self help, and it will depend on the severity of the stress.

Talking treatments for depression:
- Cognitive behavioural therapy (CBT) - CBT is based on the principle that the way we feel is partly dependent on the way we think about things. It teaches you to behave in ways that challenge negative thoughts - for example, being active to challenge feelings of hopelessness.
- Interpersonal therapy (IPT) - IPT focuses on your relationships with other people and on problems, such as difficulties with communication or coping with bereavement. There is some evidence that IPT can be as effective as medication or CBT, but more research is needed.
- Counselling - Counselling is a form of therapy that helps you to think about the problems you are experiencing in your life, in order to find new ways of dealing with them. Counsellors support you in finding solutions to problems, but do not tell you what to do.

Antidepressants may also be prescribed and can take 2-4 weeks to take effect. You should continue taking the antidepressants for at least four weeks (six weeks if you are elderly) to see how well they are working. If your antidepressants are working, treatment should be continued at the same dose for at least four to six months after your symptoms have eased. If you have a history of depression, you may continue to receive antidepressants for up to five years, or longer. Antidepressants are not addictive but withdrawal symptoms are quite common if you stop taking them suddenly, or you miss a dose.

Stress management techiques may also help. Your GP should be able to recommend various stress management techniques for you to practice when you feel yourself getting stressed. Stress management is designed to help you take control of your stress triggers before they cause any further health problems.

If stress is causing you to feel angry, there are various anger management techniques that are available or specific anger management.

There are also a number of independent support groups that are designed to help people to recognise and overcome stress. Your GP may be able to provide you with details of support groups in your local area.

About Life Insurance for Stress

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.